HDFC Regalia First Credit Card – Review, Details, Offers, Benefits

HDFC Regalia First is a premium credit card by HDFC Bank that provides many benefits around travel and dining.

HDFC Regalia First Credit card Benefits

Complimentary International Airport Lounge Access: Get a complimentary Priority Pass Membership for preferential access to over 1000+ airport lounges around the world. Enjoy refreshments and use facilities including phones, faxes, and Internet and conference rooms.

The Add on member is also eligible for a Priority Pass membership. The Primary card holder and the Add on member can jointly avail 3 complimentary access to Priority Pass lounges outside India in a calendar year.

Normally, complementary access is for primary holder only, but this credit card allows complementary access to add-on card holders also, which is a good offer.

Domestic Airport Lounge Access: Unfortunately, there is no complementary lounge access within India using PriotyPass. All Lounge visits within India using priority pass will be charged at US $27 + GST as applicable per person per visit.

Min 15% off at restaurants: As an HDFC Bank Regalia First Credit Card holder, you are entitled to Exclusive Dining Privileges at the finest hotel chains in India – with minimum discount of 15% across 3000+ restaurants

Fuel fees Waiver: Convenience fee waiver of 1% on all fuel transactions. The waiver on convenience fee on all fuel transactions upto INR 1,00, 000(Maximum waiver of INR 1000 per statement cycle, Minimum transaction of INR 400). Fuel surcharge varies from 2.5% to 1% of fuel transaction amount. The rate of surcharge may vary depending on the fuel station and their acquiring bank.

HDFC Regalia First points value – Based on the reward points and redemption value (HDFCBank Regalia site) – you will get a cashback of 1.33% on normal spending. Cashback will be equivalent to 13.33% for spending on HDFC SmartBuy Portal

On Regalia site, the point value is Rs 0.50 and you earn 4 points on spent of Rs 150.

Insurance included in the credit card

Accidental death: In case of death in an air accident, the nominated next of kin will receive a compensation of Rs 50 lakhs. Note that Air Accident cover will be activated if the tickets are purchased using HDFC Bank Regalia First credit cards.

Medical emergency cover: The card holder is covered up to Rs 10 lakh against medical emergencies during travel abroad

HDFC Regalia First Card Eligibility : The HDFC Bank Regalia First Card is available for following:

The customer however can enjoy waiver of the renewal fee if the spends are minimum Rs 1,00,000 within the 12 months (i.e. approx Rs 8333 per month).

Summary

This card will be useful for the people are travelling frequently (or book flights / hotels for family) as the best value on reward points redemption is on flight and hotel booking. Major benefits are related to lounge access for primary and add-on card holders.

Also, note that you get the 1000 reward points every year (if renewal fees is paid), so effectively the card fee is half to you.